Avoid falling victim to fraud and identity theft. Here is how:
1) Federal law permits your to obtain a FREE credit report from each of the three national credit reporting agencies once every 12 months to ensure that your credit reporting is correct and up to date. Log onto https://www.annualcreditreport.com to request these free reports. Reviewing your credit reports help to catch the signs of identity theft early. Once you receive the reports, you want to review the contents and make sure that no one has opened any credit accounts in your name.
Your credit reports matter.Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.
2) Monitor your checking and savings accounts regularly for unauthorized transactions.
3) Educate your children so that they do not give personal information online. Make sure that they only communicate with people that they know. They should never give out their name, address, date of birth, or any other information without speaking with a parent first. Parents can set privacy controls and restrict access as well. If you did not initiate the web site that is requesting personal information, do not give it!
4) Shred all documents with personal and financial information including credit card offers.
5) Beware of callers claiming to be the credit union. Never give your personal information (remember that we already have it!). Only communicate with the credit union phone numbers that you are certain of (add our number to your phone contact list).
6) Sign for for electronic statements to prevent your financial information being sent through the mail. This is more secure. Consider opening a post office box, rather than your mailbox where your mail could easily be stolen. Do not leave incoming or outgoing mail in your mailbox overnight.
7) Think twice before responding to “urgent” text or phone messages.
8) Be on guard against unexpected pop-up windows on the WEB (including the credit union web site).
9) Don’t install computer programs unless it is from a legitimate web site (such as your internet provider, financial institution, wireless phone company). Be suspicious of offers to download games and programs from unsolicited offers. They could have spyware hidden to steal your personal information and lead to theft or a virus to wipe out your computer.